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Don’t Be a Victim of Credit Card Fraud

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Credit Card Fraud

It seems that we can’t go a few months without hearing about another retailer that has gone through a data breach. When this happens, everyone goes into a frenzy to ensure that they weren’t a victim of credit card fraud.

While it is certainly a good idea to check your statements after a retailer that you frequent has had their data compromised, the truth is that you should be vigilant in checking your credit statements year-round. Here are four ways that you can make sure that your bank accounts and credit cards won’t be victimized, and that you will catch a fraudulent payment right away:

Check your bank statements often.

With almost all financial institutions offering online statements, checking over your credit and debit purchases has never been easier. Make it a part of your weekly schedule to check over your online account, and reconcile your statement against your purchases. If there is anything unusual that you don’t recognize, call your bank or card issuer right away.

Change passwords regularly.

Make sure that you change your passwords to any sensitive online accounts on a regular basis. To make a password as safe as possible it should contain 8 or more characters, including letters, numbers, and special characters. It should also be a random string of characters – the name of your children or your pet isn’t going to cut it anymore.

Also make sure that you don’t use the same password for any two accounts – it makes a hacker’s job a lot easier if your online banking password is the same as your email password, for example.

Don’t let your cards out of your sight.

If you really want to be careful about avoiding credit card fraud, you should be wary about letting your card out of your sight. Don’t lend it to anyone (even friends or family members). If you need to use a card to pay your bill at a restaurant, immediately make sure that the card that you get from the waiter or waitress is yours.

Receive a free credit report annually.

You should be able to receive a free credit report from each of the three credit reporting agencies (Experian, TransUnion, and Equifax) each year. When you get your score, make sure that you don’t have any erroneous penalties present. If you do, make sure to straighten them out as soon as possible.

Replace lost and stolen cards right away.

If you fear that one of your cards is lost or stolen, don’t wait – call your card provider right away and request a replacement. Any time spent looking for the lost card is also time that a thief could spend making purchases on your accounts. It’s better to be safe than sorry, and time spent waiting for a new card is much easier to swallow than time spent trying to clean up after charges on a stolen card.

If you would like additional help in ensuring that your finances are safe and healthy, just contact Vargas and Vargas Insurance Agency at 617-298-0655 and ask about our financial planning assistance. We can help you avoid credit card fraud, navigate stocks and investment strategies, and make a financial plan tailored to your specific needs.

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Factors that Affect Boston Car Insurance Quotes

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Factors that affect your Boston Car Insurance Quotes

When people call Vargas and Vargas Insurance Agency for Boston car insurance quotes, they are always blown away by our friendly and quick service. What goes on behind the scenes is very interesting though! When you call us for an insurance quote, we gather information from several insurance providers in order to make sure that you receive the best possible insurance at the best possible price.

Each insurance provider will often quote a different price on an auto insurance policy. This is because they each use different factors when determining your quote. Here are just a few examples of factors that some car insurance companies use when determining a quote:

Your Age – The older you are, the less risky a driver you are. This means that older people pay less for car insurance than younger people (under 25).

Your Gender – Men sometimes pay more for their auto insurance than female drivers due to trends of males being more reckless.

Your Marital Status – Insurance providers know that married people are (on average) less accident prone than their single counterparts.

Your Education Level – Typically speaking, the more educated a person is, the less likely they will file insurance claims. Some insurance providers will provide lower premiums for people with advanced degrees.

Your Credit Score – Did you know that there is a high correlation between a high credit score and a clean driving record? Read some tips about how to keep your credit score high at the Vargas and Vargas Insurance sister site, First Time Home Buyer Tools.

Your Driving Record – If you have been a safe driver in the past, most auto insurance providers will reward you with lower rates.

Your Driving Habits – If you don’t drive your car very much, tell your insurance agent. You may be eligible for a low mileage discount on your premium! This is also true if you live close to your workplace.

Your Location – Where you do your driving tells insurance providers how accident prone your region is, as well as how expensive repairs will be if you ever need to file a claim.

The Vehicle You Drive – The type of vehicle that you wish to insure (sedan, SUV, truck, etc.) will affect the quote you receive. Another factor that insurance providers consider is the age of the vehicle.

Your Vehicle’s Saftey Features – If your car has certain safety features, like extra airbags and a car alarm, insurance providers will often offer you lower rates.

Your Vehicle’s Business Use – If your car is ever used for a commercial purpose (delivery, transportation, etc for a business) you will probably pay a little extra for auto insurance.

Your Current Auto Insurance – Insurance providers don’t like to see gaps in insurance coverage. Some providers will charge you more if you don’t have a current policy.

To get one of the free and comprehensive Boston car insurance quotes for which Vargas and Vargas Insurance Agency is famous, all you need to do is call 617-298-0655. One of our service-centered representatives will be happy to gather the necessary information and start the quote process right away. And make sure to recommend us to your friends and family!

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5 Reasons Why You Shouldn’t Retire Early

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5 Reasons Why You Shouldnt Retire Early

Most people work their whole life to support themselves and their family, and to build up a nest egg so that they can enjoy their twilight years in retirement. If you are especially good at saving up for retirement, you may consider retiring before the current standard Social Security retirement age of 66.

While there is certainly something to be said for being able to retire early, it may not be the right choice for everyone! When you begin to consider retirement, make sure that you speak to a financial planner, and consider these five reasons why early retirement may not be the right course of action:

5 Reasons Why You Shouldn’t Retire Early

1. You will reduce your potential savings significantly.

It may seem obvious, but the less that you earn in your lifetime, the less money that you can save. This means that retiring early means less money in the bank! If you want to travel in retirement, or leave some money to your family or favorite charities, you will have more opportunity to do so if you continue to work and build up your savings with the extra paychecks.

2. You will get less Social Security benefits.

The amount that you get from Social Security changes depending on the age at which you start to collect. For example, people born between 1943 and 1954 would only receive 75% of the total allotted retirement benefit if they begin collecting at the earliest possible point (age 62). This is because they start collecting four full years before the standard retirement age of 66.

3. You will have increased health care costs.

Retiring early (at age 62) may cause you a bit of a health care conundrum. Retirement means that your employer-sponsored health care will expire, but you won’t be eligible for Medicare until age 65. This means that you will have to purchase your own health care policy for three years. Of course, if you are looking for your own health insurance policy, Vargas and Vargas Insurance Agency can help you find a great policy at a great price!

4. Your health and self-esteem may decline.

Many people take a great deal of pride in their job. Leaving the working world has been proven to take a toll on both health and self-esteem with the loss of ‘occupational prestige.’ This means the increased risk of being diagnosed with physical illness or depression. According to a study by IEA, “retirement increases your risk of clinical depression by 40 percent while raising your chances of being diagnosed with a physical condition by 60 percent.”

5. Your social circles will get smaller.

Work may be stressful, but the bond that you make with coworkers is substantial. Socialization at the workplace accounts for a considerable amount of relationships for most people, and lacking in those interactions several days a week can be taxing for some people.

If you want to speak to a professional financial planner about your retirement options, and to get advice about whether early retirement is right for you, call Vargas and Vargas Insurance Agency at 617-298-0655. The agents here at Vargas and Vargas Insurance can also help you with your home and auto insurance, health insurance, and much more, so call today!

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A Guide to Common Home Insurance Mistakes

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A Guide to Common Home Insurance Mistakes

Home insurance is something that every home owner needs, but that only few home owners truly understand fully. In the swamp of jargon, premiums, deductibles, coverage, and more, you’re lucky to have Massachusetts insurance experts in your corner!

Unfortunately, we see home insurance mistakes made each and every day. In an effort to ensure that our clients don’t run into any blunders when purchasing their home insurance coverage, we want to offer a short guide to five of the most common home insurance mistakes:

Not getting enough dwelling coverage.

One of the most prominent reasons to purchase insurance is to get coverage for your home in case of a catastrophe. If your home is destroyed, a home insurance policy will typically provide payment to cover rebuilding costs. Unfortunately, most people don’t invest in enough coverage to rebuild their home! Make sure that your insurance policy will provide enough of a payout that it could rebuild your whole home – if you need to make a claim because of a total loss, you won’t want to have to pay for any of the rebuilding yourself.

Forgetting to get adequate coverage for valuables.

The other prominent reason to purchase a home insurance policy is to get protection for your ‘stuff’ in case of a loss. Again, make sure that you have enough coverage to replace all of your things. This should include the typical furniture and electronics, but should also include your valuables. Ask your Massachusetts insurance agent about adding coverage for your family’s jewelry, antiques, collections, and more – this will ensure that you have complete coverage for your treasures.

Choosing the wrong deductible.

A deductible is the amount that you will need to pay out of pocket before your insurance policy kicks in. Choose too high a deductible, and your out-of-pocket payments may be hard to cover if you need to file a claim. On the other hand, if your deductible is too low, you will be paying more in premiums to compensate. If you are having trouble deciding what the right deductible is for you, ask a Boston insurance agent from Vargas and Vargas Insurance for advice!

Opting out of additional coverage.

Standard home insurance policies will protect you against a number of perils, typically including fire, wind, and more. If you want complete protection, though, make sure you add additional coverage for perils such as floods and earthquakes. The coverage is typically very affordable, and the peace of mind that comes with it is priceless. A Massachusetts insurance expert will be able to recommend the right coverage for you based on your home’s location.

You could get lucky with your first quote, but why take that chance? Instead of opting for the first home insurance policy that you get, call Vargas and Vargas Insurance Agency. With one quick call to 617-298-0655, you can give an agent all of your information and we will do the comparison shopping for you! If you want to find great coverage at a great price, Vargas and Vargas Insurance is for you, so call now.

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4 Tricks to Save Money on Your Boston Auto Insurance

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4 Tricks to Save Money on Boston Auto Insurance

As the premier Boston insurance agency, Vargas and Vargas Insurance Agency is always looking out for you – our customers. We want to make sure that you have a great Boston auto insurance policy, and that it comes at a great price. If you’re in the market to lower your car insurance premium (after all, who isn’t?) then check out these four tips from the insurance experts:

1. Consider insurance costs when buying a car.

Not everyone has the luxury to do this right away, but the next time that you buy a car, consider the cost to insure it. Generally, the more safety features a car has, the less it will cost to insure. Depending on the insurance provider that you use, you could receive discounts for a number of different safety features, including (but not limited to):

Encouraging you to have features that make your car less likely to be damaged or stolen is worth it to insurance providers, and discounts are how they show their appreciation for you valuing your asset. This means it may be worth considering getting some safety upgrades when you buy a new car – both for your auto insurance cost and for the health concerns of yourself and your future passengers. Nothing is too expensive when it could save the life of a loved one.

2. Maintain a good credit score.

Did you know that (according to research) drivers with a strong credit history are less likely to file claims on their Boston auto insurance policy? Knowing this association, some insurance providers will decrease your insurance premium if you have a high credit score.

How to improve your credit score could easily be its own post, but some quick tips to raising your score are: pay off debt, pay bills on time, limit the number of credit accounts that you have, and keep credit balances low.

3. Take advantage of “Low Mileage” discounts.

Do you drive less than the average driver? If so, talk to your insurance agent about your driving habits, and see if you qualify for a “low mileage” discount on your car insurance policy. Most people drive to and from work most days, in addition to running errands. If your car mostly sits in the driveway, you could qualify for a discount due to the fact that a car in a driveway is at a decreased risk for filing a claim. This discount sometimes also applies to people that carpool, so ask an insurance professional if you think that you may qualify.

4. Ask your agent about getting more discounts on your policy.

If you still think you’re paying too much for your Massachusetts car insurance, we encourage you to call Vargas and Vargas Insurance Agency at 617-298-0655. Our agents would love to review your unique situation, and can determine if there are any additional discounts for which you qualify. Our agents are experts at finding the best Massachusetts car insurance, so never fear – just call Vargas and Vargas Insurance now for a free quote!

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4 Ways to Save Money on an Engagement Ring

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4 Ways to Save Money on an Engagement Ring

Are there wedding bells in your future? If you’re getting ready to ‘put a ring on it’ as Beyoncé would say, make sure that you’re informed before buying one of the most expensive pieces of jewelry that you will likely own. In fact, there are many ways to save money on an engagement ring. Here are four common pieces of advice from the experts:

4 Ways to Save Money on an Engagement Ring:

1. Look for diamonds that weigh in just shy of critical weights.

When rings are being priced, jewelers often consider the carat weight of the diamond. You will pay a premium as the stone reaches higher and higher critical weights – multiples of half a carat. If you search for a stone that is 0.95 carats, you may find that it is noticeably less expensive than a ring will a full carat diamond, even though they look almost identical. Taking advantage of this knowledge could easily save you hundreds of dollars, depending on the carat weight of the ring you are considering.

2. Consider making your purchase online.

We buy almost everything online nowadays, but expensive jewelry is still something that we only seem to purchase in a store. Did you know, though, that you could save up to 20% on an engagement ring by buying it online? Online jewelry retailers are very competitive, meaning that they will agree to less margin than a traditional brick-and-mortar jewelry store.

If you don’t want to purchase the entire ring online, you can also consider purchasing the stone online, and having it set at your store of choice. You will save quite a bit on the stone, and will still be able to pick out a setting in person.

3. Buy in the summer for the best deals.

Summer is wedding season, so you may think that it would be the worst time of year to purchase a ring. In fact, exactly the opposite is true – because weddings are happening throughout the summer, engagements often take place in the Fall, Winter, or Spring.

This also means that summer can be a slow time for jewelers, meaning that you may have more luck trying to negotiate for a better deal as they are desperate for more sales. If you’re looking to buy before the start of summer, consider buying during the many Mother’s Day sales that jewelry stores advertise.

4. Embrace the trend of alternative stones and cuts.

Diamonds may be a girl’s best friend, but more and more engagement rings are breaking tradition. Nowadays, it’s not uncommon to see engagement rings made with other gemstones, including rubies, emeralds, sapphires, and more. In addition, engagement rings are also being made in a plethora of shapes – it’s not all just round anymore! If you want an alternative gemstone or nontraditional cut, you may be able to save a bit on the final price tag.

Once you’ve done your research and decided on a ring, make sure to call your Massachusetts insurance agent at 617-298-0655. Tell us all about the ‘bling,’ and we’ll help you add a rider to your home insurance or renter’s insurance policy so that it is protected.

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Do You Know these Massachusetts Driving Laws?

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Here in the US, the driving laws that you must follow depend on the state in which you’re driving. That means that Massachusetts has its own set of driving laws that are different from every other state, including even our neighboring states of New York, Connecticut, Rhode Island, New Hampshire, and Vermont.

Do You Know these Massachusetts Driving Laws?

Hopefully, you caught our featured article a few weeks ago about the new Massachusetts headlight law that went into effect on April 7, 2015. (If not, go ahead and catch up on that blog post now!)

If you were curious as to some of the other Massachusetts specific driving laws, today is your lucky day! We’ve scouted out just a few of the driving laws that are unique to Massachusetts. Read more about them below:

1. Accident Reporting – In Massachusetts, you are required to report accidents in cases of injury and death, and also if property damage exceeds $1,000. The accident must be reported within five days.

2. Child Passenger Safety – Children under age 8 and under 4 feet 9 inches tall must have a child safety seat. Children aged 8 through 12 need a properly adjusted safety belt or child restraint. In addition, all drivers and passengers in Massachusetts must wear seatbelts, with few exceptions.

3. Cell Phones and Texting – Cell phone use is prohibited for school bus drivers and all drivers under the age of 18. Texting is banned to all drivers in Massachusetts.

4. Speed Limits – Unless otherwise posted, Massachusetts has suggested speed limits of 65 mph for rural and urban interstates. Speed limit citations have a minimum penalty of $75. This fine increases $10 for each mph you were travelling over the first 10 mph.

5. Mature Drivers – For drivers 75 and older, license must be done in person and every five years.

6. Work Zones – If you are caught speeding in a work zone in Massachusetts, you can get an enhanced penalty of double the original fine. Workers don’t need to be present for this to happen, though the zone must be marked with signs.

In addition to all of these laws, there are minimum Massachusetts Auto Insurance requirements. Every car in Massachusetts must have the following coverage:

  • Bodily Injury to Others – $20,000 Per Person and $40,000 Per Accident
  • Personal Injury Protection (PIP) – Pays up to $8,000 for Medical Expenses
  • Bodily Injury and Uninsured Motorist – $20,000 Per Person and $40,000 Per Accident
  • Property Damage to Another Person’s Property – $5,000

It is important to remember, though, that these are the minimum requirements. To ensure proper protection, call a Vargas and Vargas Insurance agent at 617-298-0655. There, you can get a quote for auto insurance protection that will provide protection for your property, yourself, and your loved ones.

Please make sure that your friends and loved ones know these Massachusetts driving laws by sharing this post on Facebook or Twitter with the buttons below. Also make sure to tell them about how Vargas and Vargas Insurance Agency can get them a fast and free insurance review.

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Motorcycle Insurance Quotes for Spring and Summer

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Motorcycle Insurance Quotes

We know that you love your bike. You’re probably beyond excited that it’s getting warm enough to ride again, and are planning your first outing (if you haven’t gone out already!) Before you unveil your motorcycle from the depths of hibernation, though, make sure that you call Vargas and Vargas Insurance Agency for a motorcycle insurance quote that will protect you and your bike.

Insurance for your motorcycle

Obviously, the most important part of purchasing motorcycle insurance is getting protection for your bike. Most insurance providers offer different coverage options. We can help you sort through all of the available options to figure out which will be best for your situation. We can explain the difference between replacement cost coverage and actual cash value coverage, recommend an appropriate deductible, and much more.

Insurance for your accessories

If you need to insure more than just your bike, we’ve got you covered. Ask us about getting additional coverage for your motorcycle’s accessories. This will vary for every rider and insurance provider, but will typically include coverage for custom electronics, sidecars, tractor trailers, and more. Just tell your insurance agent what peripherals you want covered – we will figure out how much coverage you need and add it to your policy for a low price.

Discounts on your coverage

Vargas and Vargas Insurance Agency knows how to get you a good price on all of your insurance policies, and motorcycle insurance is no exception. When you call for a free Massachusetts motorcycle insurance quote, a Vargas and Vargas representative will gather the information required for the quote. They will also ask several questions to see if you are eligible for discounts, including:

  • If you will be insuring more than one motorcycle
  • If you have completed a motorcycle safety course
  • What anti-theft devices your motorcycle has
  • If you belong to a Motorcycle organization that has a discount program

If any of these bullet points applies to you, let your insurance representative know – it could mean that you qualify for a discount on your motorcycle insurance policy (depending on the insurance provide that you decide to use).

The best service in Massachusetts

All of our customers agree – Vargas and Vargas Insurance has the best service in Massachusetts! You will be glad that you have your insurance through our agency if you ever have a question or concern about your insurance policy, or if you need to file a motorcycle insurance claim. Call our office during work hours for questions, or call our emergency line when the office is closed to report a claim – we’re available on that line 24/7/365. We are famous for our service!

All you need to do for a top of the line motorcycle insurance quote is call 617-298-0655 and speak to a Vargas and Vargas Insurance representative. We will gather information about your motorcycle and the coverage that you desire, and we will prepare a quote that will meet all of your needs for a great price. Don’t hesitate – your bike deserves the best coverage, and Vargas and Vargas Insurance is the best around!

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When to Take Out a Loan

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When to Take Out a Loan

In general, you’re advised to avoid going into debt as much as possible. Sometimes, though, taking out a loan is a necessary part of life, whether for an emergency or necessity.  If you’re thinking of taking out a loan, make sure that you fall into most (or preferably all) of the following categories:

Your purchase is essential, not frivolous.

Before you consider any of the other factors on this list, think long and hard about the reason that you are thinking of taking out a loan. Is it worth going into debt and committing to principle and interest payments for your purchase? If the reason for your loan is necessary, go ahead. On the other hand, if you can wait, consider setting up a savings account and waiting until you have enough in the bank to cover your needs without a loan.

You can afford the payments.

This one should be obvious, but it is always worth mentioning when talking about taking out a loan. When you’re thinking of borrowing money, make sure that you can afford the payments. This is true for any type of debt – mortgages, car loans, student loans, even loans from friends and family. If you can’t afford the payments for a loan, consider talking to a financial advisor about your other options.

You can pay off the loan early.

Sometimes you know that you have money due to you (like a bonus or commission), but need to make a purchase before the money reaches you. In this case, you can take out a short term loan to buy what you need, and pay off your debt as soon as you receive the money that you are due.

There are two major considerations in this situation. First, you must be 100% sure that the money due to you is coming. The last thing you want to do is count your chickens before they hatch and end up stuck with a loan when your windfall falls through. Also ensure that the loan you take out doesn’t have any prepayment penalties.

You have a good credit score.

People with good credit often get better deals on loans. If your credit score is above 720, you will typically be eligible for a loan with lower than average interest rates, meaning that you will pay less in interest over the life of the loan. Just make sure that you keep your credit score high by making your loan payments on time!

You qualify for a specialty loan.

There are many types of specialty loans available for specific groups and events. We couldn’t possibly list all of the specialty loan types, but the most common include loans for Home Buyers, Education, VA loans, and USDA loans. These specialty loans often have favorable repayment terms that make carrying a bit of debt worth the risk.

If you want to talk to a professional about the implications of taking out a loan, and get personalized advice about your financial situation, talk to a Vargas and Vargas Insurance Agency Financial Planning professional. As always, you can call 617-298-0655 for more information!

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8 Apps to Improve Your Productivity

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8 apps to improve your productivity

Do you want to be more productive? Who doesn’t! Here at Vargas and Vargas Insurance Agency, we want to make sure that our clients have all of the tools that they need (including Massachusetts home insurance, auto insurance, business insurance, and more).

Save yourself time and increase your money-making potential by using some or all of the following apps. We have included a link and a short description of each, but we encourage you to give all of them a try to see which should be a permanent part of your repertoire.

1. Dropbox – Have you ever needed to access a file while on the go? With Dropbox (or any of the several similar services like Box and OneDrive) you can have your important files in the cloud, and accessible from a phone or tablet whenever you need them.

2. Evernote – You’re on the go when inspiration strikes. What do you do? Most people are stuck hoping that they can remember their idea later, but with Evernote you can take notes or save images and access them later. Make sure that you’re always prepared for a stroke of genius!

3. Magisto – Apps make previously impossible tasks as easy as 1-2-3. This is especially the case with Magisto – an app that can help you make videos, movies, walkthroughs, and so much more. In addition to their web app, they now also have a mobile app called Magisto shot.

4. Buffer – Everyone knows the importance of having a social media profile that is active and updated regularly. Schedule your social media posts with ease on Buffer. Just link your Facebook, Twitter, and LinkedIn accounts and begin scheduling posts for a whole week (or more) at once!

5. Keynote – Apps like Keynote can help you create beautiful presentations with “dazzling effects!” Designed for simplicity, Keynote allows seamless collaboration between Mac and iOS devices, and also allows work with PowerPoint users.

6. LinkedIn – I know that you probably already have a LinkedIn account. Did you know, though, that you can keep all of your professional contacts at your fingertips with the LinkedIn app? Get updates from your contacts, see a newsfeed of content from colleagues, recruit on the go, and much more.

7. Streak – Gmail is a powerful business tool. You can make it even more powerful with Streak. When you install this app, you will obtain access to an arsenal of CRM and Email tools within your existing Gmail account, including sales tools, deal flow, hiring help, email tracking, ‘send later’ functionality… and the list goes on!

8. Bond – The power of a handwritten note is undeniable. There’s nothing quite like receiving a letter from a friend or a business. If you want to harness the power of the handwritten letter without wasting time improving your penmanship, Bond allows you to type out a letter – they will use their handwriting technology to pen your words and send the note for you!

To further increase your productivity, get the peace of mind only offered by top of the line insurance policies – like the ones you can get here at Vargas and Vargas Insurance Agency! Call 617-298-0655 to speak to an insurance agent about gaining protection for your home, car, business, and more.

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5 Massachusetts Commercial Vehicle Insurance Myths

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Does your business use a vehicle? If a car or other automobile is a part of your business, you need to make sure that you have a top notch commercial vehicle insurance policy! A commercial auto insurance policy will protect your business in several different ways.

5 Massachusetts Commercial Vehicle Insurance Myths

Unfortunately, there is a lot of misinformation floating around about commercial vehicle coverage. In an attempt to clear up the misconceptions, here are five common commercial auto insurance myths, and the truth behind the confusion:

Myth 1: Any employee is covered when driving a company vehicle.

In some cases, commercial vehicle insurance policies specify that drivers are only covered if their name is on the policy. This means that it is the business owner’s responsibility to make sure that this list of drivers is kept up to date, and that employees that are not listed on the policy know that they are not permitted to drive company vehicles.

Myth 2: Seasonal businesses should cancel their coverage when their vehicles aren’t in use.

If you run a seasonal business, you may be tempted to only purchase commercial auto coverage for your business vehicles when your business is open. There are several reasons why cancelling your coverage is a bad idea. First off, your vehicles will lose their protection – while they won’t get into an accident when they’re not on the road, they could still be the target of a thief, or get damaged by a storm or a falling tree. It is also worth noting that some commercial auto insurance providers will charge you more to insure a vehicle that has gone without coverage. So, letting your coverage lapse may cost you when you’re ready to start business again. Instead of cancelling your coverage altogether, call your Massachusetts insurance agent and ask about reducing your coverage to liability only.

Myth 3: You don’t need commercial vehicle insurance coverage for your personal automobile.

If you only use your automobile for personal use, then a traditional auto insurance policy will suit you just fine. If, on the other hand, you know that you will occasionally employ your personal vehicle for commercial uses, you need to ask your insurance agent whether you need a commercial automobile policy. This includes transporting commercial goods or paying passengers, or if your vehicle has equipment installed to support a business.

Myth 4: You must pay your insurance premium in full and up front.

Don’t fall into the trap of thinking that you are required to pay your entire insurance premium up front. In fact, many insurance providers will allow you to pay in installments. It is important to note, though, that by using a payment plan you will sometimes be losing out on a ‘Pay in full’ discount. Ask your business insurance agent about the details of your policy to find out more.

Myth 5: It will always be cheapest to bundle your business insurance policies with the same provider.

Here at Vargas and Vargas Insurance Agency, we are experts at getting our customers great insurance at a low price. Because of this, we know that bundling isn’t always how you get the best price on protection for your commercial vehicles. In fact, sometimes you will pay much less in insurance premiums if you take advantage of discounts offered by different insurance providers. To find out about how to save on all of your business insurance policies, call the experts at 617-298-0655.

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How to Encourage Workplace Wellness – 4 Ways!

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If you have a desk job, it may seem impossible to live a more active lifestyle. After sitting from 9-5 five days out of the week, you’re probably mentally exhausted. At that point, it’s much easier to relax in front of the TV for the evening than to focus on living an active and healthy lifestyle.

How to Encourage Workplace Wellness - 4 Ways!

The solution to this issue may be easier than you think – instead of making yourself move during the few hours that you’re at home during the day, take a more active role when you’re working! Here are a few tips to help you get moving at work:

1. Learn a few desk exercises.

Your desk at work doesn’t need to be a shrine to laziness! While you’re replying to emails or completing paperwork, get moving with a few exercises and stretches that you can do at your desk. For some, you don’t even need to get out of your chair!

Search the internet to find a desk exercise routine that works for your routine, and make a point to complete it a few times every day. If you need a reminder, make an appointment on your calendar, or make yourself a sticky note and put it in plain view.

2. Get moving while you work with a treadmill desk.

Want to take your workouts to the next level? Consider investing in a treadmill desk. They’re the latest trend in being active (along with standing desks). They cost a pretty penny, but they allow you to walk while working on a laptop – you could easily put in thousands of steps while being as productive (if not more productive) as usual.

3. Don’t skip lunch – take a walk.

You may be able to get a little more done if you eat work at your desk while catching up on emails, but you’re not doing your body (or your mind) any favors. Instead, take a walk during your lunch break. If the weather is nice, eat outside and enjoy the fresh air. When you get back to the office, you may find that a little respite from the corporate environment has left you refreshed and ready to take on the rest of your day.

4. Get your social network involved.

As we discussed in our “New Year’s Resolution” blog post, it’s always easier to achieve a goal when you tell others about what you aim to do. Let your family, friends, and coworkers involved in your success by asking them to hold you accountable to your goal.

If you want to be able to measure your success, consider purchasing a pedometer or fitness tracker – there are several on the market today, and some will track much more than just the steps that you take each day. On these, you can even set personalized goals that will motivate you!

Living a more active lifestyle is a great way to improve your health. If you want to do even more to protect your health, call 617-298-0655 to speak to a Vargas and Vargas Insurance agent about getting a top of the line Boston health insurance quote. Or, if you run a Massachusetts business, talk to us about getting group benefits and workers compensation for your employees.

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8 Steps to Take if You’re in a Car Accident

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Getting in a car accident is never a part of your daily agenda, but it will likely happen to all of us at one time or another. Make sure that you are prepared if and when you are in an accident by following these 8 steps. These will make sure that you don’t miss a step in the process when you are in the middle of this stressful and chaotic situation.

8 Steps to Take if You’re in a Car Accident

1. Stop Safely – When an accident occurs, you need to immediately get yourself and your automobile in a safe location and stop. Pull off the road, or into a parking lot nearby. Make sure that the place you go is well lit if the accident occurs at night.

2. Get Medical Attention – If anyone was hurt in the accident, call for medical help immediately. Your health should be your #1 priority – don’t neglect it!

3. Call the Police – Regardless of whether medical attention was necessary, make sure that you call the police. They can collect evidence, take statements from witnesses, and will file an accident report that could come in handy when you file an insurance claim.

4. Document the Accident – Before you leave the scene, write down and take pictures/video of everything that you can. This includes the damage to your car and any other cars involved, any injuries that you sustained, and the area where the accident occurred. Also draw a map or diagram of the accident as it happened from your point of view. If you have a smartphone, make sure that you download the Vargas and Vargas Insurance Agency Mobile App.

5. Exchange Information – According to the Massachusetts DMV.org website, you should exchange the following information with all parties involved in the accident:

  • Names, addresses, and telephone numbers
  • Driver license numbers
  • License plate numbers
  • Vehicle descriptions
  • Insurance information

And don’t forget to also write down the contact information of anyone that witnessed the accident. Also make note of any nearby businesses that could have recorded the accident on their security footage, and ask for a copy if you think you will need it. But don’t wait, this information is sometimes deleted after only a few days.

6. File an Insurance Claim – It is important that you call your Massachusetts auto insurance agent early in the process so that they can get started in the claims process. The earlier that you report the accident, the earlier that you will be able to get your repair reimbursement.

7. Get Your Car Repaired – After you’ve informed your insurance agent about the accident and gotten their advice about the situation, you will probably need to get your car inspected or repaired. Make sure that you go to a qualified repair shop. If you need a recommendation, your insurance agent will likely be able to give you one. Also ask your insurance agent if your coverage will pay for a rental car if your primary automobile needs extended repairs.

8. File Your Receipts – After you’ve gotten your car fixed and your car insurance claim is in the works, make sure that you save all receipts that you get that are related to the accident and associated damages. This includes health care statements and car repairs.

We are car insurance experts here at Vargas and Vargas Insurance, and we deal with insurance claims frequently. If you have any questions or concerns about the claim process, feel free to call us at 617-298-0655 to discuss your auto insurance policy and your unique claim.

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A Spring Home Insurance Guide

Posted on by cvargas

Spring is finally here. It may have seemed like that brutal winter would never end, but a new season is here. As of March 20th, winter is over and spring has sprung. Unfortunately, this does not mean the end of potential home insurance issues. With the new season comes new challenges that all homeowners must face. Thankfully, there are actions that you can take now to prevent several of the possible springtime hazards.

A Spring Home Insurance Guide

Here are a few of the most important home maintenance tips that you can take in the beginning of spring to help ensure a happy home:

Take care of your roof.

Now that the threat of ice dams is waning, you should make sure to check your roof for damage that may have taken place during the winter. Leaks could be an issue if an ice dam damaged your roof, and can be fixed with a call to a roofer and a simple home insurance claim. Also check for any damaged shingles that need to be replaced – this should be taken care of by a roofing professional before those pesky “April Showers” come along.

Now is also the perfect time to check your gutters for damage and bending. Gutter repairs are simple, and can help to ensure that spring and summer rain is properly diverted away from your home. In addition, make sure that you keep an eye on your gutters during the year for blockages. This is more of a concern in autumn, but being aware of the state of your gutters is always a good idea for a cautious homeowner.

Prepare for rising temperatures.

We’re all excited to put coats and scarves into storage for a few months, but your home needs some work before it will be ready to handle the warmer weather. The most important thing that you need to do to prepare your home is to take care of your air conditioner. Change or clean your filters, and check your refrigerant levels. It is also good to keep an eye on the condensing coil for blockages.

Perform “Spring Cleaning” tasks.

There are several tasks that need to be done in your home annually. Since spring is traditionally a time of refreshment and new life, it seems like a perfect time to check off some of these tasks, like testing and changing the batteries in your home’s smoke detectors! Some other tasks that you should consider include having professionals come to clean your sump pump and your hidden built-up dryer lint.

Don’t neglect your automobile.

Don’t make the fatal mistake of focusing solely on your home and forgetting about your vehicle! The winter is hard on cars, so take this opportunity to check and refresh your motor oil and clean out your fuel system. Also have a professional check your tires to make sure that they are wearing evenly. If not, you should consider a tire rotation. Also, there’s nothing like a good thorough wash to get off all of the winter salt!

If you need a Massachusetts auto or home insurance quote, look no further than the insurance experts here at Vargas and Vargas Insurance Agency. Call 617-298-0655 and one of our agents will give you a free quote, and answer all of your questions.

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6 Spring Break Tips for Students and Boston Residents

Posted on by cvargas

If you are the parent of a public school student in the Boston area, then you already know that Spring Break is approaching quickly! While most colleges have already had their week of R&R during the spring semester, public schools in Boston wait until the end of April this year for their break. For the 2014-2015 school year, Spring break for Boston Public Schools is from April 20th until the 24th.

Spring Break Tips for Students and Boston Residents

While elementary and middle school students can be supervised, some high school students have their drivers licenses, and will be roaming our area with newfound freedom. Regardless of age, though, there will be thousands of students in the area looking for a good time. This means an increase in revenue for local businesses, but also an increased opportunity for accidents in the area.

Tips for Parents and Students

1. Before a young driver uses your vehicle, call your Boston auto insurance agent to check your coverage. Students may be eligible for discounts, just ask an insurance professional about the requirements.

2. If there is a vacation in your future, make sure that your luggage will be covered under your home insurance policy. If you’re taking a road trip, have your car checked by a qualified mechanic before you depart.

3. Spending any of your vacation poolside or outdoors to enjoy the lovely Spring weather? If so, make sure to brush up on sun safety before you venture out into the rays!

4. Don’t let this week of freedom pass by in a haze of sleep and video games. Go somewhere new, learn a new skill, volunteer – do something productive that you will remember. For older students, this activity could be something to use in a college application! Older students may want to take advantage of this time off for college tours and scholarship applications.

Tips for Boston Residents

1. Once school is out, everything is going to be more crowded. If you like things a little more quiet, consider putting off your outings until school is back in session.

2. During the week of Spring Break, students of all ages will be out and about looking for a good time. This means that you should be extra careful when you’re driving. You never know when a small child may run into the road, or when an inexperienced driver may inadvertently cause an accident.

Following these tips will help you and your family ensure that the upcoming week of Spring Break is safe and productive. If you have any more tips that you want to share with the readers of our blog, post a comment on this blog, or message us on Facebook!

Everyone here at Vargas and Vargas Insurance Agency wishes all Boston Public School students a fun and safe Spring Break. If you have any insurance related questions or concerns during your vacation, you know who to call – 617-298-0655! Our offices are open Monday to Friday from 8:30 am until 5:30 pm.

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There’s a New Headlight Law in Massachusetts!

Posted on by cvargas

Did you know that Massachusetts drivers will be subject to a new driving law starting on April 7, 2015? Familiarize yourself with the new law, and its potential consequences, below:

new headlight law in massachusetts

What is the new law?

Beginning on that day, you will need to turn on your car’s headlights any time that you have your windshield wipers on. Here in Massachusetts, the law has always stated that you need to have your headlights on during the night (specifically from 30 minutes after sunset until 30 minutes before sunrise). Now the law also specifies that headlights are required when windshield wipers are needed, including during a sunny afternoon storm.

Here is the exact wording of the new law, with the amended wording in bold font:

Section 15 of chapter 85 of the General Laws, as appearing in the 2012 Official Edition, is hereby amended by striking out the first sentence and inserting in place thereof the following sentence:— A vehicle, whether stationary or in motion, on a public way, shall have attached to it headlights and taillights which shall be turned on by the vehicle operator and so displayed as to be visible from the front and rear during the period of 1/2 hour after sunset to 1/2 hour before sunrise; provided, however, that such headlights and taillights shall be turned on by the vehicle operator at all other times when, due to insufficient light or unfavorable atmospheric conditions, visibility is reduced such that persons or vehicles on the roadway are not clearly discernible at a distance of 500 feet or when the vehicle’s windshield wipers are needed; provided further, that this section shall not apply to a vehicle which is designed to be propelled by hand; and provided further, that a vehicle carrying hay or straw for the purpose of transporting persons on a hayride shall display only electrically operated lights which shall be 2 flashing amber lights to the front and 2 flashing red lights to the rear, each of which shall be at least 6 inches in diameter and mounted 6 feet from the ground.”

What happens for drivers that fail to comply?

If the weather required that windshield wipers be used but you do not illuminate your headlights, you can be pulled over by a police officer. They can warm you of the new law, or even give you a nominal ticket for the infraction. The more important factor to consider is that this infraction is considered a traffic violation, meaning that it could raise your auto insurance rates the next time that you renew your policy.

Every Massachusetts driver will need to follow this new law starting on April 7, so make sure to pass the news on to your friends and family. One great way to do that is to send them a link to this blog post. Also take the time to tell them about the great experiences that you’ve had with the insurance professionals here at Vargas and Vargas Insurance Agency, and let them know that an auto or home insurance quote is only a phone call away!

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The Power of Testimonials for Massachusetts Businesses

Posted on by cvargas

Business owners know the power of marketing. After all, potential customers won’t patronize your business unless they know you exist, right? So many businesses nowadays focus on a plethora of different technological marketing techniques. While we won’t deny that it’s important to have a good website and a Facebook page, also make sure that you’re not neglecting other significant factors. One of the most overlooked portions of a business’s online presence has been around for hundreds (even thousands) of years – the testimonial.

The Power of Testimonials for Massachusetts Businesses

You can have the best SEO, post on Facebook and Twitter, and everything else. In the end, though, there will always be people who wait to purchase from you until they receive a positive review or testimonial. This can be reading a review on Yelp or on your website, or even a recommendation from a friend or coworker. So how do you get these testimonials? Just ask!

Let your customers and clients know that you’re looking for reviews. Ask them to give their honest opinion of your business. If you’re looking for longer reviews, here are a list of questions adapted from Big Brand System that will help guide customers to write a review that will help others see the benefits of using your business:

  • What was your situation before you started buying from our business?
  • What problems does our business help you solve?
  • Did you have any hesitations about our business? If so, what was the truth behind your qualms?
  • Which of our products or services do you typically purchase?
  • What results do our products or services help you achieve?
  • What specific feature do you like most about what we do?
  • What are three other benefits of doing business with us?
  • Would you recommend us to others? If so, why?
  • Is there anything else you would like to add?

If your raving fans could answer just a few of these questions, you would have a review worthy of posting on your website and on social media. Send out a bulk email to your client list asking for a review with this list of questions attached, and you are sure to get a few glowing responses that will help others realize that they are missing out if they aren’t using your business.

If you want to focus on more than just a website-based review system, you can also direct your fans to post reviews of you on external sites, including Facebook, Yelp, Google, and more. Also see if there are any review sites specific to your industry – like Expedia and Trip Advisor for travel and tourism businesses.

To encourage your customers to review your business, consider offering some sort of a reward to customers that give you a testimonial. Enter them into a drawing for a new gadget or a vacation, or give them a coupon to use the next time that they use your business. Just remember – the better the offer, the more reviews you will likely receive.

If this blog has inspired you, consider showing your appreciation by leaving a review for Vargas and Vargas Insurance Agency on Facebook or on Yelp! And make sure that you consider calling our agency at 617-298-0655 the next time you need a Massachusetts business insurance quote.

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Top 8 Causes of House Fires

Posted on by cvargas

According to the National Fire Protection Association, there are more than 360,000 home structure fires every year. Together, all of these fires cause between six and eight billion dollars worth of damage. Here at Vargas and Vargas Insurance Agency, we don’t want any of our clients to be included in this pool of house fires, which is why we so often feature blogs about how to prevent home disasters and home insurance claims.

top 8 causes of house fires

Today, our focus is on the top 8 causes of house fires, and what you can do to prevent your home from going up in flames due to these sources:

1. Candles and Flame – Never leave a candle burning unattended, and don’t put a candle near any flammable object. If using a pillar candle, make sure that it is standing steady, and won’t tip over. Also make sure that candles are thoroughly doused before leaving the room.

2. Cigars and Cigarettes – Smoke outside of your home, and always ash and snuff into wide and sturdy ashtrays so that live ashes don’t fall onto flammable objects. Also never smoke when you’re tired, or around medical oxygen tanks.

3. Electrical Equipment and Wiring – Never overload an outlet or extension cord. Make sure that you use the correct type of cords in different situations, and consider having a professional check your home’s wiring annually. Also think about updating your wiring if you live in an older home with K&T wiring.

4. Washers and Dryers – Clean out your dryer’s lint trap after every load. Dryers should vent to the outside of the home and nothing should block the pipe. The area around your washer and dryer should be free of flammable objects and combustibles.

5. Lightning – If there is a lightning storm, stay away from doors and windows. You should also unplug major electrical appliances like your television and computer during major storms.

6. Children – Keep matches and lighters out of the reach of young children, and begin teaching fire safety at a young age. Also ensure that children have adequate supervision at all times.

7. Christmas Decorations – If you have a live tree, make sure to keep it sufficiently watered, and get rid of it before it dries out. Always turn off all lights and other electrical decorations before leaving the room or going to bed. Also ensure that lights are safe and free of electrical issues before using them to light a tree or decorate your home.

8. Kitchen Appliances – Never leave cooking food unattended. Know how to handle a kitchen fire, including a grease fire and an oven fire. Don’t wear clothing that is too loose when in the kitchen, and ensure that smoke detectors in the home are working and that a fire extinguisher is nearby.

Following all of these tips should help you to make sure that your home is at a decreased risk for a house fire, but remember that it’s always important to prepare for the worst case scenario. Stay tuned to the Vargas and Vargas Insurance blog for a future piece about what to do if you are the victim of a house fire from the Boston home insurance experts, and make sure that you call 617-298-0655 if you need an insurance quote.

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7 Boston Home Insurance Tips for April Showers

Posted on by cvargas

Can you believe that the first quarter of 2015 is drawing to an end? This year is flying by, and here at Vargas and Vargas Insurance Agency, we are preparing for the next portion of the year, where we plan to continue to impress our clients with our commitment to customer service and community outreach. As we continue to grow and improve our business, we hope that you will strive to continue improving and protecting your home with Boston home insurance through our agency.

7 Boston Home Insurance Tips for April Showers

As March ends and April begins, there are a few housekeeping tasks that should be added to your ‘To-Do’ list. They concern the famed “April Showers” that seem to come every spring, preparing us for the blooming of May flowers and the summer heat.

Here are 7 Boston Home Insurance Tips for April Showers:

1. Before storms bring high winds and strong rain, make sure that the landscaping on your property is trimmed. Remove dead and loose branches from trees and bushes so that they do not go sailing through your property during a storm.

2. High winds are dangerous for more than just flying branches. If you know a storm is on the way, move patio furniture and other loose items inside so that they do not become projectiles.

3. When a thunderstorm approaches, go through your home and unplug any unnecessary electronics. This means that you should leave the fridge running, but devices like computers should be shut down until the storm passes.

4. One of the best ways to avoid water damage in the rainy season is to ensure that your gutters are clean and free of blockage. You should also check to make sure that the weather stripping on your doors and windows is airtight.

5. Check your roof for damaged or loose shingles, which is another leading cause of water damage. If you find any problem areas, make an appointment with a professional roofer to asses and fix the problem before it has the chance to get worse.

6. In case of a severe storm, have an emergency kit ready. Also ensure that your family has a communication plan in place for emergencies.

7. During storms, you and your family should take shelter in a sturdy building. Avoid getting too close to doors and windows until the storm passes. Some sources also advise to avoid contact with plumbing such as sinks and showers because plumbing can conduct electricity.

Performing all of these tasks will help to make sure that your home is ready for the upcoming April Showers. These storm will likely continue throughout the spring and summer, so make a note to occasionally re-check this list. Some of the items (like checking landscaping, clearing out gutters, and being aware of roof damage) should be done often to avoid damages. If a storm does damage to your home, make sure to contact your Boston home insurance agent right away to being the claim process.

Are there any more items on your spring ‘To-Do’ list? If so, let us know what you will be up to around the house on the Vargas and Vargas Insurance Facebook Page.

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Bruce Jenner’s Auto Insurance Woes

Posted on by cvargas

Here’s a name that you may not have heard in a while: Bruce Jenner. Most famous for winning a gold medal in the decathlon at the 1976 Summer Olympics in Montreal. Jenner has been in and out of the press over the last forty years thanks to his movie and TV work, including several years on Keeping Up with the Kardashians.

Recently, though, it’s not his TV appearances that have him making headlines – it’s a car accident. TMZ reported the accident on February 7th, stating that Bruce crashed into at least one car around noon. There were reportedly four cars and at least seven people involved in the accident. While Bruce wasn’t visibly hurt, one woman was killed in the accident.

Bruce Jenner Auto Insurance Woes on Car Crash
Photo Courtesy: RadarOnline.com

Since Bruce allegedly caused the accident, it will be up to his auto insurance policy to cover the costs associated with it. Unfortunately, it has been found by Radar Online that Bruce only had insurance coverage up to $250,000 – not nearly enough to cover the cost of the accident that he caused, especially if the family of the deceased woman decides to sue him for additional damages. Even though he is reported to be worth millions of dollars, this accident may cause him financial ruin – something we’re sure he wasn’t expecting. That’s the moral of this very sad story – disaster can come when you’re least expecting it, so make sure that you are prepared with proper insurance coverage.

Auto insurance is key when you’re looking for financial protection on the road. Think about it this way: if you cause an accident, you will be held responsible for the cost of fixing all of the damage done. This obviously includes damage to the car or cars involved, but also damage to other types of property (including structures, signs, etc) and damage to people involved (and these medical bills can add up fast).

These damages will probably be rather low for a small accident or fender bender, but you never know if and when you will be involved in a major accident like Jenner. As the saying goes, you should “Prepare for the worst and hope for the best.” While no one wants or expects to cause a horrific accident, you should be carrying enough auto insurance to protect yourself – just in case.

The same also goes for other types of insurance. Carrying the minimum amount of coverage (as defined by the state of Massachusetts) is typically ill-advised. You will find that insurance premiums from Vargas and Vargas Insurance Agency are very affordable, and will provide you coverage in the worst case scenarios in their respective situations, from auto accidents to home destruction, to earthquakes and health issues and more.

If you don’t want to face the same potential financial ruin as Bruce Jenner, we advise you to call Vargas and Vargas Insurance Agency at 617-298-0655 right away. One of our dedicated insurance experts will be happy to provide you with a Massachusetts insurance quote for a policy that will ensure that you and your loved ones are financially protected in even the most distressful situations.

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